Total Monthly Spend
$0.00
Your current recurring monthly commitment.
WealthTrim
Subscription & Expense TrackerHow Much Are Your Subscriptions Really Costing You Per Year?
WealthTrim is a free online subscription cost calculator that turns monthly recurring expenses into clear yearly totals.
Most people discover they’re spending $500–$2,000+ annually 😳
No login or bank connection. Calculator entries stay on this device.
Takes less than 30 seconds
- Monthly visibility
- Instant
- Data storage
- Local only
- Setup time
- Under 1 min
Main Tool
Subscription Cost Calculator (Monthly & Yearly)
Add your monthly recurring expenses to get a live view of your total spend, yearly burn rate, category totals, and biggest recurring cost.
Add your subscriptions and instantly see how much you are spending per month and per year. No login or bank connection is required, and your calculator data stays on your device.
Example: these 3 subscriptions cost almost $800/year. Add your first expense to start a clean personal list.
Add Expense
Enter a recurring monthly charge
Annual Burn Rate
$0.00
per year
This is more than most people expect.
Active Subscriptions
0
The number of recurring charges currently tracked.
Largest Expense
$0.00
Add an expense to see your highest monthly item.
Most people underestimate their subscription costs.
Tracked Items
Recurring expense list
Monthly and annual cost for each item.
No expenses added yet
Start by adding one recurring expense. WealthTrim will instantly calculate your monthly total, yearly burn rate, and category breakdown.
Breakdown
Category totals
See where your recurring spend is concentrated.
Want a deeper look?
Explore upcoming renewals, savings opportunities, and privacy-friendly sharing.
Renewals
Upcoming charges
Optional dates help you see what is due soon.
Add renewal dates to plan ahead
When you add next renewal dates, WealthTrim will show your upcoming payments and flag days with multiple charges.
Savings Insights
Smart recurring cost signals
Simple prompts to help you spot high-impact cuts.
Add your subscriptions to see insights
WealthTrim will highlight your biggest monthly charge and estimate what your top subscription cuts could save per year.
How It Works
A fast way to understand recurring spending.
Add each expense
Enter the name, monthly cost, and category for every recurring payment you want to monitor.
Review live totals
WealthTrim instantly calculates your total monthly spend, annual burn rate, active count, and largest expense.
Spot patterns quickly
Use the category breakdown to see which groups of subscriptions are quietly taking the biggest share of your budget.
Why It Matters
Subscription burn rate matters because small charges scale into real overhead.
Hidden costs become visible
Many recurring charges feel harmless in isolation. Adding them together creates clarity and makes decision-making easier.
Annual impact changes priorities
A $20 monthly expense is $240 per year. Viewing expenses annually helps you judge whether each service still earns its place.
Category patterns reveal habits
You might not notice how much streaming, software, or food subscriptions are adding up until you see grouped totals.
Regular reviews reduce waste
Checking recurring expenses occasionally can help you cancel unused services and protect cash flow without major lifestyle changes.
Guides
Want to understand your spending better?
Explore practical guides to audit recurring costs, spot subscription creep, compare billing choices, and reduce hidden monthly waste.
How to audit your subscriptions in 10 minutes
Run a fast review and identify recurring charges you no longer need.
Why small monthly charges destroy your budget
See why small recurring expenses can become a larger annual problem.
Subscription creep: the silent budget killer
Learn how recurring costs slowly accumulate and how to stop them.
How many streaming services is too many?
Find out when streaming subscriptions become too expensive to ignore.
FAQ
Common questions
What counts as a recurring expense?
Any payment that repeats monthly is useful to track here, including subscriptions, utilities, memberships, data plans, internet service, and other predictable recurring charges.
Does WealthTrim store my data online?
No. This version works entirely in your browser and saves your entries locally with localStorage, so your list stays on your device unless you clear browser data.
Why show both monthly and annual totals?
Monthly totals help with immediate budgeting, while annual totals make the long-term impact of recurring costs easier to understand and compare.
Can I use this for non-subscription recurring expenses?
Yes. While the tool is designed for subscriptions, it also works well for fixed recurring costs like utilities, insurance, memberships, or financing-related charges.
Where can I learn more about reducing recurring expenses?
Visit the WealthTrim blog for practical guides on auditing subscriptions, comparing billing options, setting a subscription budget, and reducing recurring expense waste.